10 Alasan Mengapa Gaji Tidak Pernah Cukup dan Solusinya

Yuk bagikan infonya...

Ilustrasi/Kompas
Ilustrasi/Kompas

Memutuskan mengonsumsi Starbucks seharga Rp 45.000 setiap hari sebelum berangkat kerja ternyata berdampak pada pencapaian finansial Anda.

Anda perlu tahu bahwa keputusan menggunakan uang dengan tergesa-gesa bisa membuat kantong bokek. Sebaliknya, jika keuangan dikelola secara teratur dan penuh pertimbangan sebelum melakukan suatu pembelanjaan niscaya Anda dapat mencapai tujuan finansial dalam hidup.

Masa setiap bulan Anda harus mengalami gali lubang, tutup lubang karena gaji tidak pernah cukup dalam sebulan. Ada 10 ‘penjahat’ yang membuat gaji bulanan tidak pernah cukup memenuhi kebutuhan bulanan. Jauhi sekarang juga agar memiliki keuangan yang merdeka.

1. Memiliki gaya hidup konsumtif

Siapa yang tidak tergiur dengan pesta diskon di pusat perbelanjaan? Diskon 50 % untuk pembelian barang kedua, beli 1 sepatu gratis 1 sepatu, sale hingga 70 % untuk penghabisan barang dan masih banyak lagi tagline promo untuk menggoda iman konsumen. Setiap mengunjungi pusat perbelanjaan dan supermarket, bagian kanan dan kiri ada saja outlet yang menggelar diskon.

Sebenarnya jika Anda bisa memanfaatkan diskon tersebut untuk membeli kebutuhan jelas menjadi keuntungan karena menghemat sekian persen. Namun, jika setiap terdapat pesta diskon membuat Anda tak pernah absen, sebaiknya harus segera berhenti. Bisa-bisa setiap melihat barang sale langsung beli padahal sebenarnya sedang tidak membutuhkannya.

Sifat konsumtif seperti itu tak baik jika dipelihara karena menghilangkan logika saat berbelanja. Sehingga berujung pada kantong jebol akibat gaji tak pernah cukup untuk memenuhi sifat konsumtif Anda.

Solusi

Buat list pembelanjaan dan bersikap disiplin setiap memasuki pusat perbelanjaan. Langsung datangi tempat tujuan anda untuk membeli kebutuhan dan beli untuk jangka panjang.Hindari juga melakukan window shopping karena mengakibatkan Anda membeli barang-barang di luar list belanjaan. Sebaiknya, ajak serta teman atau keluarga untuk menemani Anda belanja dan mengingatkan di saat sudah mulai tergoda dengan sale dan diskon.

2. Punya kebiasaan buruk

Merokok, mabuk-mabukan dan suka menyantap junk food adalah kebiasaan buruk yang menggerogoti keuangan serta kesehatan Anda. Bila memiliki salah satu dari kebiasaan buruk tersebut segera buang jauh-jauh. Gaji bukan saja tak cukup dalam sebulan malahan  bisa dalam setahun.

Kita ambil contoh sederhana, sebungkus rokok saat ini dihargai Rp 20.000. Dalam sehari Anda bisa menghabiskan dua bungkus rokok. Dalam seminggu sudah Rp 280.000 dikeluarkan untuk membeli rokok. Dan sebulan pengeluaran Anda untuk membeli rokok sebesar Rp 1.120.000. Apabila kebiasaan merokok Anda hentikan, Anda sudah punya tabungan Rp 13.440.000 dalam setahun. Kalau mau berhenti, Anda sudah bisa membeli sepeda motor secara tunai. Plus menghindari biaya perawatan di rumah sakit karena terserang penyakit akibat merokok.

Solusi

Berhenti merokok dan minum-minum sebelum terserang kebangkrutan dan penyakit keras. Anda bisa mulai hidup sehat caranya mengganti rokok dengan mengonsumsi buah-buahan, mengganti minum alkohol dengan air putih dan jus. Ingat, bahwa memelihara kebiasaan buruk ini terus menerus bukan hanya mengakibatkan gaji tak akan pernah cukup melainkan umur cepat berkurang.

Sebagai referensi Anda bisa mulai melihat dan meniru pola hidup sehat yang diterapkan oleh mantan pecandu rokok dan alkohol. Pun, ketika melepaskan kebiasaan buruk ini lakukan secara perlahan-lahan.

3. Terobsesi dengan cicilan 0%

Maraknya produk dan jasa dengan label cicilan 0% membuat mata sulit menolak. Dan terkadang karena hanya melihat embel-embel 0 % tersebut itulah, Anda jadi tergerak membeli produknya padahal belum membutuhkannya.

Tawaran program cicilan dari kartu kredit apalagi dengan bunga 0 % jelas membuat kita tergoda dan pada akhirnya mematikan mentalitas keuangan. Apalagi di saat sedang tidak memegang uang tunai. Mau beli gadget terbaru bisa dicicil saja, beli tas bermerk dapat cicilan, punya elektronik untuk mengisi rumah bisa dicicil.

Oke, kemudahan inilah yang akhirnya membuat Anda terobsesi untuk membeli suatu produk secara terus menerus. Hingga akhirnya cicilan Anda menumpuk. Dan tanpa disadari jumlah cicilan dalam sebulan sudah melebihi gaji dalam sebulan. Sudah terlambat untuk menyesalinya.

Ingat kegunaan kartu kredit bukan untuk membuat Anda menumpuk utang dan melakukan pembelian saat kesulitan keuangan, melainkan mempermudah transaksi.

Solusi

Mentalitas mengandalkan cicilan 0 % untuk membeli barang harus diubah. Sebelum mengambil program cicilan tersebut pertimbangkan secara matang, apakah barang tersebut perlu dibeli atau tidak. Kita harus komitmen apakah dapat membayar angsuran per bulannya secara teratur. Jika jawabannya tidak, maka lebih baik hindari pembelian dengan cara mengangsur.

Kalau ada uang tunai dan memang barang tersebut merupakan kebutuhan belilah menggunakan uang tunai. Daripada harus menumpuk cicilan di kartu kredit.

4. Terlalu irit bahkan pelit

Niatnya mau menghindari membayar biaya tol dengan melewati rute biasa, ujung-ujungnya malah menghabiskan uang lebih besar karena jaraknya lebih panjang dan kondisi jalanan macet sehingga menghabiskan bensin. Padahal bayar tol hanya Rp 10.000, sementara beli bensin jumlahnya lebih dari itu.

Contoh lain, Anda menghindari biaya parkir di pusat perbelanjaan karena saat ini biayanya sudah mahal. Lalu memilih parkir di pinggil jalan karena hanya bayar Rp 2.000 bahkan gratis. Padahal di balik itu ada beberapa kerugian yang harus Anda tanggung seperti kendaraan tidak aman, ditarik petugas karena parkir sembarangan dan lainnya. Kalau sudah begini masih mau irit?

Terlalu irit bukan membuat Anda hemat dan bisa menyimpan uang untuk ditabung, yang ada malah menyita tabungan. Lantas bagaimana solusinya?

Solusi

Berpikir untuk hemat bukan hal buruk, hanya pastikan terlebih dahulu apakah tindakan irit Anda tersebut memungkinkan untuk menyimpan uang atau malah menghabiskannya. Misalnya, jika mengambil jalan tol bisa menghemat waktu dan uang, kenapa harus menghindarinya demi sepeser uang Rp 10.000 saja. Pertimbangkan dampak jangka panjangnya, apakah sepadan dengan waktu serta kerumitan yang ditempuh.

5. Buta finansial

Gaji tidak pernah cukup apabila Anda termasuk individu yang buta finansial. Berdasar data dari World Bank, 49 % masyarakat Indonesia belum tersentuh pelayanan perbankan. Alasannya bermacam-macam. Sebanyak 79 persen mengatakan tidak memiliki , 9 persen tidak memiliki pekerjaan dan sisanya karena tidak merasakan manfaat dari menabung.

Data tersebut sangat mencengangkan karena pertanda orang Indonesia belum melek finansial dan tak mengerti manfaat fasilitas perbankan bagi kehidupan keuangan mereka. Mereka kurang memahami apa kegunaan tabungan, serta bagaimana cara mengelola keuangan.

Individu yang sama sekali tak menyentuh fasilitas perbankan pertanda bahwa keuangannya terancam. Pasalnya, Anda tak memiliki wadah untuk menyimpan gaji jadi bisa dipastikan gaji Anda tak pernah cukup.

Solusi

Belajar dan mengerti cara mengelola keuangan sejak dini adalah suatu keharusan. Bahkan menabung pun sudah diajarkan sejak dini. Sejak masih duduk di bangku sekolah. Masa ketika sudah memiliki penghasilan sendiri malah sulit menabung.

Agar lebih mengerti peranan produk perbankan dalam kondisi keuangan kita, Anda bisa melibatkan penasihat profesional atau mencari saran dari rekan-rekan Anda yang lebih berpengalaman di bidang ini. Dan mulailah terjun dalam produk perbankan seperti tabungan dan deposito untuk menyimpan kekayaan.

6. Besar pasak daripada tiang

Ini salah satu faktor gaji tidak pernah cukup setiap bulannya. Ya, besar pasak daripada tiang. Besar kebutuhan (ditambah keinginan) ketimbang penghasilan. Bila kebiasaan buruk ini terus berjalan, mau gaji Anda mengalami peningkatan sampai 3 kali lipat pun selalu tak pernah cukup.

Gaya hidup ini sebaiknya harus dihindari agar kondisi keuangan Anda selalu sehat. Jangan pernah tergoda membeli sepatu baru meskipun sale. Apalagi jika seminggu sebelumnya Anda baru membeli sepatu. Kurangi jajan dan makan di luar setiap minggu padahal masih banyak cicilan yang perlu dilunasi. Memelihara sifat seperti ini sama saja degan memelihara penyakit.

Solusi

Mulai berhemat. Ganti kebiasaan ngopi di kedai kopi setiap minggunya dengan membeli kopi dan membuat sendiri di rumah. Anda dapat lebih bebas meracik sesuai selera. Bawa bekal saat ke kantor juga mengurangi biaya makan dan jajan di luar. Periksa juga isi lemari Anda, apakah masih banyak pakaian dan sepatu menumpuk  yang belum terpakai?

Bila jawabannya ya maka urungkan niat Anda untuk membeli baju-baju baru. Lebih baik uangnya dipergunakan untuk memenuhi kebutuhan.

7. Tak punya anggaran bulanan

Siapa yang setiap bulannya membuat anggaran keuangan? Apakah  Anda selalu mencatat berapa pengeluaran dan pemasukan dalam sebulan? Pasti mayoritas menjawab tidak. Sangat disayangkan.

Ketika tanggal gajian tiba, segera transfer dan melakukan pembayaran cicilan. Itu hal pertama yang harus Anda lakukan. Baru sisanya dikelola untuk memenuhi kebutuhan bulanan. Ketiadaan anggaran bulanan membuat Anda selalu over spending. Dan pada akhirnya sama sekali tidak ada sisa gaji yang bisa disimpan untuk tabungan, Lebih parahnya, setiap bulan Anda selalu nombok. Ini namanya bencana keuangan.

Solusi

Buat anggaran per bulan untuk mengetahui arus keluar masuk keuangan Anda. Sehingga Anda lebih mudah mengontrol gaji dalam sebulan. Tulis dalam buku catatan, berapa gaji yang diterima bulan ini, lalu pemasukan lain jika ada dan pengeluaran untuk membeli kebutuhan, bayar utang dan cicilan. Lalu dana untuk tabungan, investasi, asuransi.

Setelah menulis semuanya dalam satu buku, Anda menyadari bahwa terlalu banyak pengeluaran namun kabar baiknya Anda jadi lebih komitmen dalam mengelola keuangan. Adanya transparansi keuangan ini membantu Anda untuk mengidentifikasi mana saja pengeluaran yang tak penting sehingga bisa dipotong. Disiplin dan ketekunan diperlukan untuk membuat anggaran bulanan!

8. Bayar tagihan dengan jumlah minimum

Kebiasaan membayar tagihan kartu kredit dengan jumlah minimum sebenarnya tanpa disadari dapat menggerus keuangan Anda. Jumlah utang tak akan usai karena bunga bank terus bertambah beserta saldo akhir tagihan Anda. Ketentuan kartu kredit mengenakan bunga apabila pemilik kartu tidak melakukan pembayaran penuh. Bunga dari sisa tagihan Anda akan ditambah ke jumlah tagihan berikutnya. Masalah akan timbul karena Anda harus terus menerus membayar bunga dari tagihan yang tersisa.

Akibatnya, setiap bulan gaji Anda habis hanya untuk membayar bunga saja. Belum membayar pemakaian kartu kredit bulanan.

Solusi

Hentikan sementara pemakaian kartu kredit apabila utang masih menumpuk. Sebaiknya tahan keinginan untuk membeli barang-barang yang sifatnya konsumtif. Beli ketika masih ada sisa uang tunai saja. Hindari penggunaan kartu kredit untuk memenuhi keinginan konsumtif Anda. Bisa-bisa utang tak pernah lunas dan gaji tidak pernah cukup untuk memenuhi kebutuhan.

9. Investasi bukan hal penting

Memikir bahwa investasi tidak penting adalah kesalahan besar. Investasi ini mumpuni mengembalikan modal awal Anda hingga tiga kali lipat. Meski demikian, carilah investasi dengan modal pengembalian tinggi. Berharap pada deposito karena minim risiko sebenarnya kurang tepat karena bunganya rendah.

Pemilihan instrument investasi harus disertai keahlian mengelola keuangan namun turut diiringi dengan pemikiran logis. Sebagai contoh, tingkat inflasi di Indonesia rata-rata skeitar 3,5 %. Jika berinvestasi di deposito hanya mumpuni menghasilkan keuntungan hingga 4 % per tahun. Sisa 1 % jelas belum mampu menangkal inflasi.

Solusi

Investasikan modal Anda sesuai profil risiko dan kemampuan keuangan. Tidak semua investasi berisiko tinggi. Untuk mendapat keuntungan lebih, Anda bisa diversifikasi investasi yakni menanamkan modal pada dua sampai tiga lumbung untuk mengelola risiko investasi. Dengan begitu Anda akan terselamatkan dari inflasi.

Untuk menyenangi dunia investasi, banyak membaca, belajar dan banyak bertanya pada teman atau keluarga yang lebih dahulu berinvestasi.

10. Mengabaikan asuransi

Penyakit atau musibah datangnya tak terduga. Anda bisa saja sakit dan harus dirawat inap berhari-hari hingga menghabiskan gaji Anda. Kalau sudah begini, Anda hanya bisa menyesali kesalahan mengapa tidak membekali diri dengan asuransi. Hal terburuk akan datang jika Anda adalah kepala keluarga atau pencari nafkah dalam keluarga dan harus mengorbankan seluruh tabungan untuk membayar biaya perawatan.

Hingga tahun 2014, jumlah orang Indonesia yang sudah sadar asuransi sebanyak 15,50 juta jiwa. Jumlah tersebut mengalami kenaikan dari periode 2013 yang sebanyak 13,62 juta orang. Hal ini menandakan orang Indonesia mulai melek asuransi. Masih banyak individu berpikir asurasni itu tidak penting karena hanya buang-buang uang. Padahal ungkapan tersebut salah besar.

Solusi

Mendaftar asuransi adalah solusi terbaik untuk menangkal kebangkrutan karena harus dirawat di rumah sakit. Memiliki asuransi juga mumpuni menjamin kehidupan masa tua yang nyaman. Bahkan masa pensiun dapat dilalui dengan tenang.

Belum punya asuransi? Segera daftar asuransi yang tepat. Cari tahu jenis asuransi yang tepat dan terbaik bagi Anda. Kemudian telusuri apa saja manfaat yang diperoleh saat terdaftar di asuransi dan bagaimana pertanggungannya.

Kebiasaan buruk yang menyebabkan gaji tidak cukup memang sulit dihentikan. Namun, sangat penting untuk mulai mengelola keuangan sehingga tercipta keseimbangan dalam pendapatan dan pengeluaran Anda. Sifat buruk di atas harus segera dibuang untuk menghindari terjadinya kebangkrutan dan penumpukan utang.

Semua orang pasti pernah mengalami kesulitan mengatur keuangan. Asal kita mau komitmen manajamen keuangan dan mencapai kehidupan finansial lebih baik niscaya keuangan akan kembali pulih. Kalau saat ini Anda sedang kecanduan belanja online, hindari dengan menonaktifkan newsletter dari e-commerce favorit Anda yang kerap menebar promosi dan diskon.

Kita perlu menata keuangan dan mengadopsi cara manajemen keuangan yang baik. Mulai membedakan mana kebutuhan dan keinginan. Pikir matang-matang sebelum membeli suatu barang.

Setelah mempelajari artikel ini, semoga gaji Anda tak lagi pas-pasan ya!

Oleh : Hanindya Christiana (aturduit)

Yuk bagikan inspirasinya…

Yuk bagikan infonya...

About Auther:

Info Biografi

196 thoughts on “10 Alasan Mengapa Gaji Tidak Pernah Cukup dan Solusinya

  1. I blog quite often and I seriously appreciate your content. The article has truly peaked my interest. I will bookmark your blog and keep checking for new details about once per week. I opted in for your Feed as well.

  2. Nice post. I learn something totally new and challenging on blogs I stumbleupon every day. It will always be interesting to read content from other writers and practice a little something from their websites.

  3. Wonderful goods from you, man. I’ve understand your stuff previous to and you’re just extremely wonderful. I really like what you’ve acquired here, really like what you’re saying and the way in which you say it. You make it entertaining and you still take care of to keep it wise. I cant wait to read much more from you. This is actually a terrific website.

  4. After looking at a few of the blog posts on your website, I honestly appreciate your technique of blogging. I bookmarked it to my bookmark site list and will be checking back soon. Please visit my web site as well and let me know what you think.

  5. Ping-balik: sildenafil 60mg price
  6. I want to to thank you for this very good read!! I certainly loved every little bit of it. I have got you bookmarked to look at new things you postÖ

  7. Pretty section of content. I just stumbled upon your site and in accession capital to assert that I get actually enjoyed account your blog posts. Anyway I?ll be subscribing to your augment and even I achievement you access consistently quickly.

  8. When I initially left a comment I appear to have clicked on the -Notify me when new comments are added- checkbox and now every time a comment is added I recieve four emails with the same comment. Perhaps there is an easy method you are able to remove me from that service? Thanks a lot!

  9. I would like to thank you for the efforts you have put in penning this blog. I’m hoping to see the same high-grade content by you in the future as well. In truth, your creative writing abilities has encouraged me to get my own, personal site now 😉

  10. I really love your blog.. Great colors & theme. Did you make this amazing site yourself? Please reply back as Iím attempting to create my own website and want to learn where you got this from or exactly what the theme is named. Kudos!

  11. Iím amazed, I have to admit. Seldom do I encounter a blog thatís both equally educative and engaging, and without a doubt, you have hit the nail on the head. The issue is something too few men and women are speaking intelligently about. I’m very happy I stumbled across this in my search for something regarding this.

  12. You’re so interesting! I don’t believe I’ve read through a single thing like this before. So great to discover somebody with some genuine thoughts on this subject. Seriously.. thanks for starting this up. This website is something that’s needed on the internet, someone with some originality!

  13. Hi, I do think this is an excellent blog. I stumbledupon it 😉 I may come back yet again since I saved as a favorite it. Money and freedom is the greatest way to change, may you be rich and continue to guide other people.

  14. I absolutely love your blog.. Excellent colors & theme. Did you create this site yourself? Please reply back as Iím attempting to create my own site and would love to know where you got this from or exactly what the theme is called. Cheers!

  15. That is a great tip especially to those new to the blogosphere. Short but very precise infoÖ Many thanks for sharing this one. A must read article!

  16. Good post. I learn something totally new and challenging on sites I stumbleupon everyday. It’s always useful to read content from other authors and practice something from other sites.

  17. Howdy, I do believe your website could possibly be having browser compatibility problems. Whenever I take a look at your web site in Safari, it looks fine but when opening in IE, it’s got some overlapping issues. I merely wanted to provide you with a quick heads up! Other than that, great site!

  18. I truly love your website.. Excellent colors & theme. Did you create this website yourself? Please reply back as Iím trying to create my very own blog and would like to learn where you got this from or just what the theme is named. Kudos!

  19. After I initially left a comment I seem to have clicked on the -Notify me when new comments are added- checkbox and from now on every time a comment is added I recieve four emails with the same comment. There has to be a way you are able to remove me from that service? Many thanks!

  20. Your style is unique compared to other folks I have read stuff from. Thank you for posting when you have the opportunity, Guess I’ll just bookmark this blog.

  21. I truly love your website.. Very nice colors & theme. Did you develop this site yourself? Please reply back as Iím hoping to create my own site and would like to find out where you got this from or exactly what the theme is called. Thanks!

  22. Hi there! I simply wish to offer you a huge thumbs up for the great information you have here on this post. I am coming back to your website for more soon.

  23. Nice post. I learn something new and challenging on websites I stumbleupon everyday. It’s always helpful to read through content from other writers and practice a little something from other websites.

  24. Hi there! This article couldnít be written much better! Reading through this article reminds me of my previous roommate! He always kept talking about this. I most certainly will forward this information to him. Fairly certain he’s going to have a good read. Many thanks for sharing!

  25. Your style is very unique in comparison to other people I have read stuff from. Thank you for posting when you have the opportunity, Guess I will just bookmark this page.

  26. It is perfect time to make some plans for the future and it’s time to be happy. I’ve read this post and if I could I want to suggest you some interesting things or advice. Perhaps you could write next articles referring to this article. I desire to read even more things about it!

  27. Good post. I learn something new and challenging on sites I stumbleupon every day. It’s always exciting to read through articles from other writers and practice a little something from other web sites.

  28. Hello, i think that i saw you visited my blog so i came to ?return the favor?.I am trying to find things to improve my website!I suppose its ok to use some of your ideas!!

  29. You’ve made some really good points there. I looked on the web to find out more about the issue and found most people will go along with your views on this web site.

  30. I’m extremely impressed with your writing skills as well as with the layout on your weblog. Is this a paid theme or did you modify it yourself? Anyway keep up the excellent quality writing, it?s rare to see a nice blog like this one these days..

  31. Good day! I could have sworn Iíve been to your blog before but after browsing through many of the articles I realized itís new to me. Anyways, Iím definitely delighted I discovered it and Iíll be bookmarking it and checking back often!

  32. You actually make it seem so easy with your presentation but I find this matter to be really something that I think I would never understand. It seems too complicated and very broad for me. I am looking forward for your next post, I?ll try to get the hang of it!

  33. Pretty nice post. I just stumbled upon your weblog and wanted to say that I’ve truly enjoyed surfing around your blog posts. In any case I will be subscribing to your feed and I hope you write again soon!

  34. An interesting discussion is definitely worth comment. I believe that you ought to publish more about this topic, it may not be a taboo subject but generally people do not speak about these subjects. To the next! All the best!!

  35. Pretty nice post. I just stumbled upon your weblog and wanted to say that I’ve really enjoyed browsing your blog posts. After all I will be subscribing to your rss feed and I hope you write again soon!

  36. I loved as much as you’ll receive carried out right here. The sketch is attractive, your authored material stylish. nonetheless, you command get bought an impatience over that you wish be delivering the following. unwell unquestionably come further formerly again as exactly the same nearly very often inside case you shield this increase.

  37. This is really interesting, You’re a very skilled blogger. I have joined your feed and look forward to seeking more of your great post. Also, I have shared your website in my social networks!

  38. May I simply say what a relief to find an individual who actually understands what they’re discussing on the net. You definitely understand how to bring an issue to light and make it important. A lot more people must check this out and understand this side of your story. I can’t believe you’re not more popular given that you surely have the gift.

  39. Everything is very open with a clear explanation of the issues. It was definitely informative. Your website is extremely helpful. Thank you for sharing!

  40. I like the helpful information you provide in your articles. I?ll bookmark your weblog and check again here regularly. I am quite certain I?ll learn lots of new stuff right here! Best of luck for the next!

  41. Pretty section of content. I just stumbled upon your blog and in accession capital to assert that I get actually enjoyed account your blog posts. Anyway I will be subscribing to your feeds and even I achievement you access consistently fast.

  42. I loved as much as you’ll receive carried out right here. The sketch is tasteful, your authored material stylish. nonetheless, you command get bought an shakiness over that you wish be delivering the following. unwell unquestionably come more formerly again as exactly the same nearly a lot often inside case you shield this increase.

  43. I blog often and I truly thank you for your content. The article has truly peaked my interest. I will book mark your blog and keep checking for new details about once a week. I subscribed to your RSS feed too.

  44. I blog often and I genuinely appreciate your content. This article has really peaked my interest. I will bookmark your site and keep checking for new information about once per week. I subscribed to your Feed as well.

  45. After looking at a handful of the articles on your web page, I really appreciate your technique of blogging. I bookmarked it to my bookmark site list and will be checking back in the near future. Take a look at my website as well and tell me what you think.

  46. Oh my goodness! Impressive article dude! Thank you so much, However I am encountering troubles with your RSS. I donít know the reason why I cannot join it. Is there anyone else getting similar RSS problems? Anyone that knows the solution can you kindly respond? Thanks!!

  47. After looking at a number of the blog articles on your web page, I honestly like your technique of writing a blog. I bookmarked it to my bookmark site list and will be checking back in the near future. Please visit my website too and let me know how you feel.

  48. Hello there! I could have sworn Iíve visited this web site before but after browsing through a few of the articles I realized itís new to me. Anyhow, Iím certainly happy I came across it and Iíll be book-marking it and checking back regularly!

  49. Oh my goodness! Awesome article dude! Thank you, However I am going through troubles with your RSS. I donít know why I can’t join it. Is there anybody having identical RSS problems? Anyone that knows the answer will you kindly respond? Thanx!!

  50. It’s often so sweet in addition to filled with many pleasurable for me Individually and my Business colleagues to look your site no less than thrice in each week to discover the new steerage you might have bought.

  51. I’m very happy to discover this website. I want to to thank you for ones time due to this wonderful read!! I definitely liked every part of it and I have you saved to fav to look at new stuff in your site.

  52. Oh my goodness! Amazing article dude! Many thanks, However I am experiencing issues with your RSS. I donít understand why I cannot subscribe to it. Is there anybody getting similar RSS problems? Anyone who knows the answer can you kindly respond? Thanx!!

  53. I blog often and I truly thank you for your information. The article has truly peaked my interest. I am going to bookmark your website and keep checking for new information about once a week. I subscribed to your Feed as well.

  54. After looking into a few of the articles on your blog, I honestly like your technique of blogging. I saved as a favorite it to my bookmark site list and will be checking back in the near future. Take a look at my website too and let me know what you think.

  55. Having read this I believed it was rather enlightening. I appreciate you spending some time and energy to put this content together. I once again find myself personally spending a lot of time both reading and commenting. But so what, it was still worthwhile!

  56. Howdy! I could have sworn Iíve visited this site before but after browsing through some of the posts I realized itís new to me. Anyhow, Iím certainly delighted I came across it and Iíll be book-marking it and checking back often!

  57. I really adore the theme/design and style of your website. Would you ever operate into any browser compatibility problems? A small range of my blog viewers have complained about my website not Doing the job the right way in Explorer but looks fantastic in Safari. Do you’ve got any Strategies to help you fix this issue?

  58. Citizen has an comprehensive collection of watches, mainly focusing on sporting activities and pilot watches. They are divided right into five groups (Diving, Pilot, Performance, Ladies, Executive) which we’ll take a more detailed consider below. Among Citizen Nighthawk latest versions is the Argonautic Bronze TT, which is limited to only 300 pieces. The development of this watch complies with the success of the previous year’s Citizen Nighthawk bronze design, which sold out rapidly.

  59. Citizen has an substantial collection of watches, mostly focusing on sports and also pilot watches. They are separated into 5 classifications (Diving, Pilot, Efficiency, Ladies, Exec) which we’ll take a closer look at below. One of Citizen Nighthawk most recent models is the Argonautic Bronze TT, which is limited to just 300 items. The creation of this watch complies with the success of the previous year’s Citizen Nighthawk bronze model, which sold out quickly.

  60. Citizen has an substantial collection of watches, mostly focusing on sporting activities and also pilot watches. They are separated into five classifications (Diving, Pilot, Performance, Ladies, Exec) which we’ll take a more detailed look at below. Among Citizen Nighthawk most recent versions is the Argonautic Bronze TT, which is limited to just 300 pieces. The creation of this watch complies with the success of the previous year’s Citizen Nighthawk bronze version, which sold out rapidly.

  61. You’re so awesome! I don’t believe I have read through a single thing like this before. So wonderful to discover somebody with a few unique thoughts on this subject. Really.. thank you for starting this up. This site is something that is required on the internet, someone with a bit of originality!

  62. Citizen has an extensive collection of watches, mostly concentrating on sports and also pilot watches. They are separated into 5 classifications (Diving, Pilot, Performance, Ladies, Exec) which we’ll take a closer consider below. Among Citizen Nighthawk latest designs is the Argonautic Bronze TT, which is limited to only 300 items. The creation of this watch complies with the success of the previous year’s Citizen Nighthawk bronze model, which sold out quickly.

  63. You’re so cool! I do not suppose I’ve truly read through anything like that before. So good to find someone with unique thoughts on this subject. Really.. many thanks for starting this up. This web site is something that is needed on the internet, someone with a bit of originality!

  64. Good day! I simply wish to offer you a big thumbs up for your excellent info you’ve got here on this post. I’ll be coming back to your blog for more soon.

  65. My brother recommended I might like this web site. He was entirely right. This post truly made my day. You can not imagine just how much time I had spent for this info! Thanks!

  66. Having read this I believed it was rather enlightening. I appreciate you finding the time and effort to put this article together. I once again find myself personally spending way too much time both reading and posting comments. But so what, it was still worth it!

  67. I like the helpful information you provide in your articles. I?ll bookmark your blog and check again here regularly. I am quite certain I?ll learn plenty of new stuff right here! Good luck for the next!

  68. This is very interesting, You’re a very skilled blogger. I have joined your rss feed and look forward to seeking more of your wonderful post. Also, I’ve shared your web site in my social networks!

  69. Iím amazed, I have to admit. Rarely do I come across a blog thatís both equally educative and amusing, and let me tell you, you’ve hit the nail on the head. The problem is something not enough people are speaking intelligently about. I am very happy that I came across this in my search for something regarding this.

  70. Simply wish to say your article is as astounding. The clarity in your post is just great and i can assume you’re an expert on this subject. Fine with your permission let me to grab your feed to keep updated with forthcoming post. Thanks a million and please continue the rewarding work.

  71. You actually make it seem so easy with your presentation but I find this topic to be really something which I think I would never understand. It seems too complicated and very broad for me. I am looking forward for your next post, I?ll try to get the hang of it!

  72. hello there and thank you for your information ? I?ve certainly picked up something new from right here. I did however expertise some technical points using this site, since I experienced to reload the website many times previous to I could get it to load correctly. I had been wondering if your web host is OK? Not that I’m complaining, but sluggish loading instances times will sometimes affect your placement in google and can damage your high quality score if ads and marketing with Adwords. Well I?m adding this RSS to my email and can look out for much more of your respective intriguing content. Make sure you update this again soon..

  73. Amazing blog! Do you have any tips and hints for aspiring writers? I’m planning to start my own site soon but I’m a little lost on everything. Would you propose starting with a free platform like WordPress or go for a paid option? There are so many options out there that I’m completely overwhelmed .. Any suggestions? Thanks a lot!

  74. I think this is one of the most vital info for me. And i am glad reading your article. But want to remark on few general things, The site style is great, the articles is really great : D. Good job, cheers

  75. I think this is one of the most vital information for me. And i’m glad reading your article. But wanna remark on few general things, The web site style is wonderful, the articles is really excellent : D. Good job, cheers

  76. Great post. I was checking continuously this blog and I’m impressed! Extremely helpful info specifically the last part 🙂 I care for such information much. I was seeking this particular info for a very long time. Thank you and good luck.

  77. You really make it seem so easy with your presentation but I find this matter to be actually something which I think I would never understand. It seems too complicated and very broad for me. I’m looking forward for your next post, I will try to get the hang of it!

  78. Nice blog here! Also your web site loads up fast! What web host are you using? Can I get your affiliate link to your host? I wish my web site loaded up as fast as yours lol

  79. Hi there! This blog post couldnít be written any better! Reading through this article reminds me of my previous roommate! He constantly kept preaching about this. I’ll forward this article to him. Pretty sure he’ll have a great read. I appreciate you for sharing!

  80. I must thank you for the efforts you have put in penning this blog. I’m hoping to see the same high-grade blog posts from you later on as well. In truth, your creative writing abilities has encouraged me to get my own website now 😉

  81. An impressive share! I’ve just forwarded this onto a colleague who was conducting a little research on this. And he in fact bought me lunch simply because I found it for him… lol. So allow me to reword this…. Thanks for the meal!! But yeah, thanx for spending time to talk about this matter here on your blog.

  82. The next time I read a blog, I hope that it does not fail me as much as this one. After all, I know it was my choice to read, nonetheless I really believed you’d have something interesting to talk about. All I hear is a bunch of moaning about something you can fix if you weren’t too busy searching for attention.

  83. Oh my goodness! Amazing article dude! Thank you so much, However I am going through troubles with your RSS. I donít know why I am unable to subscribe to it. Is there anybody else getting identical RSS problems? Anyone that knows the answer can you kindly respond? Thanx!!

  84. May I simply just say what a comfort to find a person that truly knows what they’re talking about online. You definitely understand how to bring an issue to light and make it important. More and more people should read this and understand this side of your story. I was surprised you’re not more popular given that you most certainly possess the gift.

  85. A fascinating discussion is worth comment. I do think that you need to publish more about this subject matter, it might not be a taboo matter but typically folks don’t talk about such issues. To the next! Best wishes!!

  86. Hey there! I simply would like to offer you a big thumbs up for the great info you have got right here on this post. I will be coming back to your web site for more soon.

  87. I blog often and I really thank you for your information. This great article has truly peaked my interest. I will bookmark your site and keep checking for new information about once a week. I subscribed to your Feed too.

  88. You have made some good points there. I looked on the web to find out more about the issue and found most people will go along with your views on this website.

  89. After looking over a handful of the articles on your site, I really like your way of blogging. I added it to my bookmark site list and will be checking back in the near future. Please check out my web site too and tell me your opinion.

  90. May I simply say what a comfort to find somebody that really understands what they are talking about on the net. You actually know how to bring an issue to light and make it important. More people must check this out and understand this side of your story. It’s surprising you aren’t more popular given that you most certainly possess the gift.

  91. Great beat ! I wish to apprentice while you amend your website, how could i subscribe for a blog web site? The account aided me a acceptable deal. I had been a little bit acquainted of this your broadcast offered bright clear idea

  92. Ping-balik: tadalafil medication
  93. I was extremely pleased to uncover this website. I wanted to thank you for ones time just for this wonderful read!! I definitely savored every part of it and I have you book-marked to look at new information in your site.

  94. Having read this I believed it was really enlightening. I appreciate you taking the time and effort to put this short article together. I once again find myself spending a lot of time both reading and posting comments. But so what, it was still worth it!

  95. The very next time I read a blog, Hopefully it doesn’t fail me just as much as this one. After all, I know it was my choice to read through, but I truly believed you’d have something helpful to say. All I hear is a bunch of crying about something that you could fix if you weren’t too busy searching for attention.

  96. Greetings, I think your website could be having internet browser compatibility issues. Whenever I look at your blog in Safari, it looks fine however, if opening in Internet Explorer, it’s got some overlapping issues. I simply wanted to provide you with a quick heads up! Aside from that, wonderful site!

  97. Hi there, I think your site may be having web browser compatibility problems. When I look at your blog in Safari, it looks fine however when opening in Internet Explorer, it’s got some overlapping issues. I just wanted to provide you with a quick heads up! Aside from that, excellent blog!

  98. I seriously love your website.. Very nice colors & theme. Did you create this amazing site yourself? Please reply back as Iím planning to create my own site and want to find out where you got this from or just what the theme is called. Thank you!

  99. I truly love your blog.. Great colors & theme. Did you build this website yourself? Please reply back as Iím hoping to create my own personal website and want to learn where you got this from or just what the theme is named. Appreciate it!

  100. After checking out a number of the blog posts on your site, I truly appreciate your way of writing a blog. I saved it to my bookmark webpage list and will be checking back soon. Please visit my website as well and tell me how you feel.

  101. I’m more than happy to uncover this site. I want to to thank you for ones time for this wonderful read!! I definitely really liked every part of it and i also have you book-marked to look at new stuff on your site.

  102. I like the helpful information you provide in your articles. I?ll bookmark your blog and check again here regularly. I am quite sure I?ll learn lots of new stuff right here! Good luck for the next!

  103. Undeniably believe that which you stated. Your favorite justification seemed to be on the web the simplest thing to be aware of. I say to you, I definitely get irked while people think about worries that they just don’t know about. You managed to hit the nail upon the top and defined out the whole thing without having side effect , people can take a signal. Will likely be back to get more. Thanks

  104. Great post. I was checking continuously this blog and I’m impressed! Very helpful information specially the last part 🙂 I care for such information much. I was looking for this particular information for a long time. Thank you and good luck.

  105. I absolutely love your blog.. Great colors & theme. Did you develop this website yourself? Please reply back as Iím attempting to create my own blog and would like to find out where you got this from or what the theme is called. Thanks!

  106. Great goods from you, man. I have understand your stuff previous to and you’re just too excellent. I really like what you’ve acquired here, certainly like what you are saying and the way in which you say it. You make it enjoyable and you still take care of to keep it smart. I cant wait to read far more from you. This is actually a great site.

  107. Hello there! This article couldnít be written any better! Reading through this article reminds me of my previous roommate! He always kept talking about this. I’ll forward this post to him. Fairly certain he will have a good read. Many thanks for sharing!

  108. Oh my goodness! Impressive article dude! Thank you, However I am going through issues with your RSS. I donít understand why I cannot join it. Is there anyone else getting identical RSS issues? Anybody who knows the solution will you kindly respond? Thanx!!

Tinggalkan Balasan

Alamat email Anda tidak akan dipublikasikan.

Kuliah Gratis, Lulus Jadi PNS, Perwira TNI/POLRI...
Hello. Add your message here.